Chemmanur Credit and Investments Restricted, a part of the Boby Chemmanur Group, has introduced a brand new Secured Non-Convertible Debenture (NCD) difficulty in October 2025. This difficulty goals to boost funds to assist lending operations and common company functions. The corporate, primarily engaged in gold mortgage financing, gives engaging rates of interest of as much as 12.68% efficient yield each year, making it one of many higher-yielding NCDs within the present market.
About Chemmanur Credit and Investments Restricted
Integrated in 2008, Chemmanur Credit and Investments Restricted (CCIL) is a non-deposit-taking NBFC registered with the Reserve Financial institution of India. The corporate focuses primarily on offering gold loans in opposition to family jewelry, working throughout Kerala, Tamil Nadu, Karnataka, Maharashtra, and Andhra Pradesh. With over 282 branches and 1,400+ workers, CCIL has constructed a powerful retail presence in South India. It additionally gives microfinance, enterprise, and private loans, together with cash switch and insurance coverage distribution providers.
The corporate belongs to the reputed Boby Chemmanur Group, which is thought for its gold jewelry and monetary providers companies working in India and overseas.
Chemmanur Credit and Investments NCD October 2025 Situation Particulars
| Particulars | Particulars |
|---|---|
| Situation Opening Date | October 17, 2025 |
| Situation Closing Date | November 3, 2025 |
| Safety Sort | Secured, Redeemable, Non-Convertible Debentures |
| Situation Dimension (Base) | ₹ 50 Crores |
| Situation Dimension (Oversubscription) | ₹ 50 Crores |
| Whole Situation Dimension | ₹ 100 Crores |
| Face Worth | ₹ 1,000 per NCD |
| Minimal Funding | 10 NCDs (₹ 10,000) |
| Itemizing | BSE |
| Foundation of Allotment | First Come, First Serve |
| Debenture Trustee | Mitcon Credentia Trusteeship Companies Ltd. |
Chemmanur Credit and Investments NCD Curiosity Charges
| Sequence | Tenure | Frequency | Coupon Fee (p.a.) | Efficient Yield (p.a.) | Maturity Quantity (₹) |
|---|---|---|---|---|---|
| I | 18 months | Month-to-month | 10.50% | 11.02% | 1,000 |
| II | 24 months | Month-to-month | 10.90% | 11.46% | 1,000 |
| III | 36 months | Month-to-month | 11.30% | 11.90% | 1,000 |
| IV | 60 months | Month-to-month | 12.00% | 12.68% | 1,000 |
| V | three hundred and sixty six days | Cumulative | – | 9.50% | 1,095.27 |
| VI | 24 months | Cumulative | – | 11.00% | 1,232.00 |
| VII | 70 months | Cumulative | – | 12.62% | 2,000.28 |
Credit score Score
The NCDs are rated IND BBB-/Secure by India Rankings & Analysis, indicating a average diploma of security with average credit score danger.
Objects of the Situation
The funds raised by this NCD difficulty might be utilized for:
- Onward lending and financing actions.
- Compensation or prepayment of principal and curiosity on present borrowings.
- Basic company functions.
Firm Financials
| Particulars (in ₹ Crores) | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|
| Whole Belongings | 499.42 | 635.05 | 693.18 |
| Whole Revenue | 83.21 | 106.15 | 141.74 |
| Revenue After Tax (PAT) | 0.80 | 1.72 | 2.48 |
The corporate has proven constant progress with a 34% rise in income and a 44% improve in PAT between FY 2024 and FY 2025, reflecting sturdy operational efficiency.
Why to Put money into Chemmanur Credit NCD Oct 2025 Situation
- Engaging returns: Yields as much as 12.68%, larger than most financial institution FDs and lots of company bonds.
- Secured NCDs: Backed by firm property, decreasing danger in comparison with unsecured devices.
- Month-to-month and cumulative choices: Flexibility for buyers relying on their money stream wants.
- Listed on BSE: Gives liquidity for early exit by the secondary market.
- Established promoter group: A part of Boby Chemmanur Group with sturdy model credibility.
Why To not Make investments
- Average credit standing: BBB- signifies average security and better danger in comparison with AA/AAA-rated NCDs.
- Sector focus: Closely depending on gold loans; any decline in gold costs or regulatory tightening can have an effect on efficiency.
- Restricted geographical presence: Predominantly concentrated in South India.
- Liquidity issues: Though listed, buying and selling quantity in smaller NCD points is commonly low.
- Buyers ought to learn full danger components from the NCD Prospectus.
Find out how to Apply
Buyers can apply for Chemmanur Credit and Investments NCDs by:
- On-line through ASBA by web banking or buying and selling platforms equivalent to Zerodha, Angel One, or ICICIDirect.
- Offline by submitting a bodily software kind by designated brokers or banks.
- Minimal funding is ₹ 10,000 (10 NCDs of ₹ 1,000 every).
Conclusion: Ought to You Make investments or Keep away from?
Chemmanur Credit and Investments NCD October 2025 difficulty gives excessive returns and secured construction, which may be engaging for high-risk buyers searching for fastened earnings alternatives past conventional deposits. Nevertheless, the average credit standing and sectoral dangers make it appropriate just for buyers who can take calculated credit score danger and maintain till maturity.
Advice: Make investments cautiously for larger returns, however restrict publicity to a small portion of your debt portfolio.
FAQs on Chemmanur Credit and Investments NCD October 2025
1. What’s the minimal funding for Chemmanur Credit NCD October 2025?
Minimal funding is ₹ 10,000 (10 NCDs of ₹ 1,000 every).
2. Are these NCDs secured?
Sure, they’re totally secured by firm property, offering a further layer of security.
3. What’s the highest rate of interest supplied?
As much as 12.00% annual coupon or 12.68% efficient yield for 60-month tenure.
4. The place will these NCDs be listed?
They are going to be listed on the Bombay Inventory Trade (BSE).
5. What’s the credit standing of this NCD difficulty?
Rated IND BBB-/Secure by India Rankings & Analysis, indicating a average stage of security.
6. Can NRIs make investments on this difficulty?
No, Non-Resident Indians (NRIs) aren’t eligible to speculate on this NCD difficulty.
7. When will curiosity be paid?
Relying on the sequence chosen, buyers can obtain month-to-month curiosity or cumulative maturity funds.
